Terms of Use

These Terms of Use ("Terms") govern your use of FamilyCoverageReview.com (the "Site"), which is operated by Elevatz Marketing Inc. ("we," "us" or "our"). By using the Site or submitting your information through it, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. What this Site is

FamilyCoverageReview.com is a marketing and introduction service. We are not an insurance company, insurance agent, broker or producer. We do not sell insurance, provide quotes, recommend specific products or give insurance, legal, tax or financial advice.

When you submit a request, we pass your information to Marcon Benefits and its licensed insurance agents (our "Partner") so that a licensed professional in your state can contact you and review your options. Any quote, application, policy or advice you receive comes from the Partner or the insurer, not from us, and is subject to their own terms, underwriting and eligibility rules.

2. No guarantee of coverage or rates

Any prices or examples shown on the Site, such as "from $1 a day," are illustrative only and are not insurance quotes. Illustrative pricing is based on approximately $30/month for $250,000 of coverage and assumes a healthy 35-year-old female nonsmoker purchasing a 20-year term life policy. Actual rates vary by health, age, insurer, state, and underwriting eligibility. Coverage is subject to approval. Simplified-issue (no medical exam) coverage is not available in every case, and higher coverage amounts may require additional underwriting. We do not guarantee that you will be contacted, offered coverage, or offered any particular rate.

3. Eligibility and accurate information

You must be at least 18 years old and a resident of the United States to use the Site. You agree to give accurate, current and complete information about yourself, and to submit information only for yourself. You may not submit another person's information or a phone number or email address you are not authorized to use.

4. Consent to be contacted

When you tap "Get My Free Quote," you give your express written consent, as described on the form, for FamilyCoverageReview.com and Marcon Benefits and its licensed agents to contact you about life insurance and mortgage protection at the phone number and email you provided. This contact may include calls and text messages using an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated voice, even if your number is on a federal, state or company Do Not Call list.

Your consent is not a condition of any purchase. You may revoke consent at any time by any reasonable means, including:

• replying STOP to any text message;
• telling the caller that you no longer wish to be contacted; or
• emailing privacy@familycoveragereview.com with the phone number you used.

We will honor opt-out requests within the time required by law and pass them on to our Partner.

5. Text message terms

By opting in, you agree to receive text messages about your insurance request. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. You can also contact us at privacy@familycoveragereview.com. Wireless carriers are not liable for delayed or undelivered messages.

6. Consent documentation

To document consent and protect against fraud, we use third-party technology, including ActiveProspect's TrustedForm, that records your interactions with the Site's form, such as the pages viewed, the information entered and the disclosures shown. By using the form, you consent to this recording. See our Privacy Policy for details.

7. Acceptable use

You agree not to misuse the Site. This includes submitting false or fraudulent information, using bots or automated tools to submit forms, interfering with the Site's operation, or attempting to gain unauthorized access to any system.

8. Third-party services

Our Partner, insurers and other third parties are independent of us. We are not responsible for their products, services, statements, privacy practices or conduct. Your dealings with them are solely between you and them.

9. Intellectual property

The Site's content, design, text and graphics are owned by or licensed to Elevatz Marketing Inc. and may not be copied or reused without our written permission.

10. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Site will be uninterrupted, error-free or free of harmful components.

11. Limitation of liability

To the fullest extent permitted by law, Elevatz Marketing Inc. and its owners, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data or coverage, arising from your use of the Site or from any product or service provided by a third party. Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars (US$100).

12. Indemnity

You agree to indemnify and hold harmless Elevatz Marketing Inc. from any claims, losses or expenses, including reasonable legal fees, arising from your breach of these Terms or from information you submit that is false or not yours to submit.

13. Governing law

These Terms are governed by the laws of the Province of Nova Scotia and the federal laws of Canada that apply there, without regard to conflict-of-law rules, except where the laws of your state of residence require otherwise. Nothing in these Terms limits any rights you have under applicable consumer protection law.

14. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new effective date. Continued use of the Site after changes are posted means you accept the updated Terms.

15. Contact us